Consumer Rights: Credit Card Account Can Not Be Repaid After A Single Day'S Refund.

In addition to the credit card refund after the bill can not be regarded as repayment, there are still some problems worth paying attention to when the credit card is repaid.

Bind the credit card and the savings card until the repayment date.

It is convenient and not afraid to forget the repayment of credit records, but at present, most banks have set the threshold of "10 thousand capital -5" for interbank automatic repayment business. Once they exceed, even if the funds on the debit card are enough to repay, they will not be able to complete the repayment smoothly, which will eventually lead to overdue.

"Obviously there is a refund in the credit card, but the bank said I did not pay the money, but also produced a record of overdue repayment."

Recently, Mr. Chen of Changsha called our newspaper hotline 96258. "Later, I knew that the refund could not be used as a repayment to pay off the bill."

According to a reporter's investigation, it is found that the refund after the bill can not be regarded as the "usual practice" that many banks are carrying out in the current repayment period.

The 27 day of each month is the repayment date of Mr. Chen of Changsha. In September 12th of this year, he received a reminder note from the bank. His bill in September was 1880 yuan, and it needed to be repaid before September 27th.

In September 15th, Mr. Chen spent 2100 yuan to buy a mobile phone online, but the goods were defective, and Mr. Chen chose to return it.

A week later, Mr. Chen received a refund message, and 2100 yuan was returned to the credit card used in online shopping.

"At that time, I wanted to refund, since I have arrived, I will not pay again this month. Enough refund will be enough to repay the bill."

However, the fact is not what Mr. Chen thought. In October 13th, Mr. Chen received a short message from the bank, saying that his consumption of 1880 yuan could not be repaid in time, and the overdue record would be reported to the central bank [micro-blog] Credit Information Center.

"I obviously paid the money, why do I still owe it?" Mr. Chen immediately called the credit card customer service telephone consultation, but the reply he got was very boring. "The staff replied that the refund of the credit card could not be repaid, and even if he had a refund, he would have to deposit money before he could be regarded as a repayment. I never heard of such a rule."

In October 15th, reporters asked 20 people who came to handle business at several banks' doors. No one knew there was such a rule.

Aiming at "

The reporter can call the credit card service center of many banks.

The customer service staff said that it mainly depends on the specific paction date of the refund to the account. "

Before the arrival of a refund, can become a repayment, after the bill day after the arrival of the refund, can not be identified as the current repayment, can only be credited to the next bill. "

The industry said that the refund after the bill can not be counted as the current repayment is a common practice of banks.

It is understood that at present, most banks' default is to refinance the next period of consumption, including refund of online shopping, cancellation of business consumption and cancellation of airline tickets.